Abstract: A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

Abstract: Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token.

Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: The present invention relates to the field of perfumery. It relates more particularly to perfume dispensing device. The device of the present invention comprises dispensing means and a liquid composition including a perfume and selected compounds which impacts the fragrance perception diffused in the surrounding air during use.

Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

Abstract: A fragrance composition is described which comprises at least two different fragrance accords, wherein at least 30 wt % of each fragrance accord comprises the key contributor(s) of said fragrance accord and wherein the average of the odor detection thresholds of said key contributor(s) for each fragrance accord is within the same order of magnitude as the average of the odor detection thresholds of the key contributor(s) for said other fragrance accord(s), and wherein the base note(s) of each fragrance accord comprises less than 15% of the notes of said accord. Methods of manufacture thereof, together with methods of attenuating fragrance habituation, are also described.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: A computer implemented method of entering a personal identification number on a payment device. The method includes establishing wireless communication between a computing device and a payment device comprising a security chip, and establishing communication between the security chip and a remote institution via the computing device over a digital communication network. The method includes receiving an entry of a personal identification number via the computing device, wirelessly transmitting the personal identification number to the payment device, and storing the personal identification number on the payment device. The method also includes transmitting, via the digital communication network, the personal identification number to the remote institution.

Abstract: Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party.

Abstract: The invention concerns self-adhering, water-resistant gel compositions capable of bringing a benefit or effect into their surrounding environment by diffusing an active volatile substance. The compositions are effective volatile releasing systems in both dry and wet environments and are capable of adhering to a surface to which they are applied. They can be used in a variety of applications, as self-contained fragrance gels or in consumer products.

Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

Abstract: A method for dispensing an active volatile in the environment surrounding a surface, which comprises applying to the surface a self-adhering, water-resistant gel composition of at least one active volatile ingredient, silica, and a water-soluble cationic polysaccharide, and diffusing or releasing the volatile ingredient(s) from the gel in an amount sufficient to purify or sanitize the surrounding air, both in a dry condition or in the presence of humidity or water. The gel composition remains adhered to the surface and actively releases the volatile ingredient(s) even after being exposed to repeated water flows over the composition.

Abstract: A fragrance composition is described which comprises at least two different fragrance accords, wherein at least 30 wt % of each fragrance accord comprises the key contributor(s) of said fragrance accord and wherein the average of the odour detection thresholds of said key contributor(s) for each fragrance accord is within the same order of magnitude as the average of the odour detection thresholds of the key contributor(s) for said other fragrance accord(s), and wherein the base note(s) of each fragrance accord comprises less than 15% of the notes of said accord. Methods of manufacture thereof, together with methods of attenuating fragrance habituation, are also described.

Abstract: A fragrance composition is described which comprises: at least two different fragrance accords wherein at least 30 wt % of each fragrance accord comprises the key contributor(s) of said fragrance accord and wherein the average of the odor detection thresholds of said key contributor(s) for each fragrance accord is within the same order of magnitude as the average of the odor detection thresholds of the key contributor(s) for said other fragrance accord(s); and wherein the base note(s) of each fragrance accord comprises less than 15% of the notes of said accord. Methods of manufacture thereof together with methods of attenuating fragrance habituation are also described.

Abstract: A method is disclosed. The method includes generating an obfuscated portion using a dynamic cryptogram unique to a transaction, where the dynamic cryptogram is determined using a uniquely derived key. The method also includes replacing a middle portion of the account identifier with the obfuscated portion to form an obfuscated account identifier.